3437: Dealing With Credit Card Debt When You’re in Over Your Head by Kumiko of The Budget Mom on Financial Recovery
27 January 2026

3437: Dealing With Credit Card Debt When You’re in Over Your Head by Kumiko of The Budget Mom on Financial Recovery

Optimal Finance Daily - Financial Independence and Money Advice

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Episode 3437:

Kumiko shares practical, experience-driven strategies for regaining control when credit card debt spirals out of control. From acknowledging the issue and building a debt payoff plan to considering consolidation options, she offers both emotional support and tactical advice to help you become debt-free and financially empowered.

Read along with the original article(s) here: https://www.thebudgetmom.com/dealing-with-credit-card-debt-when-youre-in-over-your-head/

Quotes to ponder:

"You can’t successfully pay off debt and stay debt free without a budget. A budget is the foundation on which any successful debt elimination plan is built."

"Be sure to shop around for the best deal before you commit to a lender."

"The last thing you want to do is pay off your existing credit card balances then rack up more debt. That’s a recipe for financial trouble in the future."

Episode references:

Credible: https://www.credible.com
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